Transfer of the loan: Timing to get it

Looking for information on the sale of the fifth? Do you need a loan, but..

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Transfer of the loan: Timing to get it

Looking for information on the sale of the fifth? Do you need a loan, but you don’t know which guarantees to offer to the bank? Do you want to apply for a loan from Intesa San Paolo with advantageous and affordable rates and without having to follow a process that is too complex? Do you need a quick and easy loan?

You can get it thanks to the sale of salary: With this package, you can receive a loan from the bank as collateral by providing their own salary.

With this guide of ours we will see together how you can get a loan through this tool.

What is the fifth assignment?

This type of credit request is part of all personal loans and is reserved for both employees and pensioners.

It is called in this way precisely because the monthly payment is equal to one fifth of the net salary, or is equal to one fifth of the pension. The installment cannot exceed five in any way.

Repaying the monthly fee to the bank is very easy, as the installment is charged directly on the pay slip or, if in retirement, on the pension slip. The employer or the pension institution directly manage the repayment of the installment.

Difference between a personal loan and salary-backed loan

Difference between a personal loan and salary-backed loan

The main difference is first of all the method of repaying the monthly installments. If you decide to request a simple personal loan, the installment must be paid via a bulletin or by choosing a direct debit.

If you choose to pay by the salary transfer, you will pay the installment from the salary or pension and the employer or the pension institution will deal directly with the payment of the installment.

Who can get a loan this way? Workers with permanent employment, with residence in Italy and between the ages of 18 and 63 can apply for a loan in this way.

Even pensioners who are not over 85 years of age (on repayment of the loan) and with a pension higher than € 501.89 can apply for a loan with a salary-backed loan. Self-employed workers, unfortunately, cannot request it.

How to apply for a loan with the sale of the fifth

loan application

Which documents should I bring to Banca Intesa? Here is the complete list:

  • Fiscal Code;
  • Valid identity document;
  • Last paycheck or pension slip;
  • Unique certification for employees.

The assignment of the fifth does not require the collaboration of a guarantor. The guarantee that is offered to the bank is the salary or pension. Often this formula allows you to request the loan even if there have been problems with previous payments.

It must be remembered that even if this is a rather solid guarantee, there is no certainty that the bank will give the green light to the loan request through the sale of the fifth, especially if there have been problems before. The application procedure will however be checked.

The installments

Another advantage of the fifth assignment is that the installments are at a fixed rate . The applicant can choose the amount to be paid each month, as well as the time for reimbursement, directly at the time the contract is stipulated.

The only rule to be complied with is that the installment does not exceed one fifth, or 20%, of the salary or the fifth of the pension, obviously at the net value. The monthly reimbursement with a fifth assignment takes place through direct debit on the pay packet or on the pension.

The maximum loan repayment duration can be up to a maximum of 10 years. The loan can also be paid off in advance without penalties and at any time.

How to apply for a loan with the sale of the fifth

loan

A loan specifically designed for those who have to apply for it through the sale of the fifth.

The loan with the fifth assignment can be requested at any branch by appointment. The appointment can be requested at the branch or by calling. An appointee will take care of the practice.

The appointment can also be taken online on the official website by filling out the form with your personal data and choosing the time and day. Making an appointment does not bind the loan request.

Time to get the loan

If you have opted to apply for a loan in a branch, the person in charge will be in charge of referring you after how much it will be possible to have the loan with a salary-backed loan. Remember that times may change from case to case.

When you can apply for the loan on the web you can open a file and receive the money in about two days. Only online loan applications allow you to get money in a few hours.

The interests

Personal loans with a fifth assignment often have lower interest rates than other types of loans. Rates are reduced, but you can always save money by checking the TAN and   the APR

The TAN is the interest rate, the APR is the synthetic total cost of the loan. In the APR are included all the commissions to be paid for having a loan with Intesa.

Also for the online procedure it is possible to decide the conditions of the contract and the TAN and the APR associated with the loan. Checking the different possibilities online, before applying for the loan with the assignment of the fifth, helps to save money that would otherwise be wasted in interest.

Doing research also allows you to choose the best and most convenient loan for your needs. With a search it is possible to make comparisons between the TAN and the APR and decide for the most convenient ones.

To find out about monthly costs and interest rates, you can quote. The quote is not binding on the request for a loan with Intesa and can be done conveniently online on the official website. Thanks to a quote, you can get an idea of ​​rates and monthly payments.

We remind you that the interest and the installment may change slightly with the stipulation of the contract with respect to the value shown on the estimate.

An appointee will evaluate the individual cases and the bank will decide how to proceed. to decide how to proceed. You can be sure of the monthly payment and the rates only once the contract is signed.

Sale of the Italian Fifth Post Office: Guide to the Request

Do you need a loan and don’t know how to get it? Do you need..

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Sale of the Italian Fifth Post Office: Guide to the Request

Do you need a loan and don’t know how to get it? Do you need to request money and get advantageous rates without too many problems? What should be done? 

Getting the money this way is possible by giving the post office as a guarantee your salary or your pension. Let’s see together in this our detailed guide, what needs to be done to get a loan through the sale of the fifth.

What is the fifth assignment?

The salary assignment is a special loan for employees and can also be requested by pensioners. It is called this way because the monthly payment is equal to one fifth of the net salary or is equal to one fifth of the pension. The monthly payment cannot exceed one fifth of the salary.

The repayment of the monthly fee must be charged on the pay slip or on the pension slip. Repaying the monthly installment with the fifth assignment means that the payment of the installment is managed directly by the employer or the pension institution.

Difference between a personal loan and salary-backed loan

personal loan

The method of repayment of installments is the main difference. If you decide to request a simple personal loan , the installment must be paid through a bulletin or through a direct debit to the account while if you decide to opt for a loan through the assignment of the fifth, you will pay the installment directly from the salary or pension .

The employer or the pension institution will be in charge of the monthly payment of the installment. The loan with salary assignment can be obtained if you are a worker with a permanent contract , residing in Italy and between the ages of 18 and 63.

Even pensioners who do not exceed 85 years of age until the day the loan is repaid and who have a pension that exceeds € 501.89, can apply for a loan by assignment of a fifth. Self-employed workers cannot obtain a loan in this way, since they do not have a salary.

How to request this formula

What documents must I submit to request a loan through the sale of the fifth? Here’s the list:

  • Fiscal Code;
  • Valid identity document;
  • Last paycheck or pension slip;
  • Unique certification for employees.

It is not necessary to request the assistance of a guarantor for a loan by the sale of the fifth. The guarantee for the loan is just the salary or pension. In general, this formula allows you to request the loan even to those who previously had problems with payment of installments.

The assignment of the fifth is an added guarantee, but it is not certain that the Italian Post Office will accept the request, the practice will still be subjected to careful checking and evaluation.

Payment by installments, how does it work?

Payment

The installments to be paid for the loan through the sale of the fifth are always fixed. The customer can directly choose the amount to be paid monthly and the time for repayment on the day of the stipulation of the contract. The installment must not exceed the fifth, then 20% (net value) of the salary or pension.

The reimbursement of the requested amount is carried out with a charge on the pay slip or on the pension. For the repayment of the loan with the assignment of the fifth the maximum duration can be up to 10 years. The loan can easily be paid off in advance and at any time.

As required

A loan from the fifth assignment can be requested at any post office. Simply request an appointment or go to an office asking for a representative.

Times to get the loan with a sale of the fifth

loan

The request for a loan at a branch allows you to find out about the time to obtain it through the person in charge. The person in charge will inform the customer after how many days he can get the loan on the account. Times may vary from request to request. To obtain a loan with a salary-backed loan from Poste Italiane, it is not necessary to have an account with the Post Office.

Interest payable

Interest

Even if it is the Italian Post Office, there are still interests to pay. Personal loans with salary-backed loans have lower interest rates than other loans. Check the TAN e   the APR also saves money.

The TAN is the interest rate associated with the loan, while the APR is the summary total cost of the loan. In the APR there are all the commissions to pay for the loan with Poste Italiane.

We recommend checking out the various loans and also the various possibilities online before applying for a loan. Spending a few hours for research also allows you to find the most suitable loan for your requests. By doing a search you can make comparisons between the TAN and the APR and choose the lowest and the most convenient for your needs.

To understand how much you will spend on a monthly basis, you can make a quote. The quote is in no way binding on the loan request and can be done online. Making an estimate allows you to get an idea about costs, installments and interest rates.

The interest and installment shown on the quote may change from the value shown on the quote. The Italian postal commissioner will evaluate the various cases and decide what the conditions will be.

If you have doubts about the loan through the sale of the fifth with Poste Italiane, we advise you to ask for help from a person in charge before choosing the loan.

The loan can also be requested without having a current account.

The monthly installment to be paid is withheld from salary or pension. 

The spouse is not always liable for the debts contracted by his companion

A creditor can seize the property of spouses who have not signed a marriage contract..

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The spouse is not always liable for the debts contracted by his companion

A creditor can seize the property of spouses who have not signed a marriage contract

Each spouse can spend alone the contracts that are related to the maintenance of the family or the education of the children. But the debts that arise from these contracts are due by both spouses, including those who have not signed: these are the “household debts”. Specifically, it involves the registration of a child in a private school or sports club, rent, condominium fees, the mutual, the telephone line, electricity, gas, water, etc.
For these expenses, the creditor has the choice: he can ask the totality of the payment to the spouse who signed or to the other. This is usually the case when the one who is engaged is insolvent, while the other one works and has incomes …

But there are three exceptions to this rule. The first, when the expense is “obviously excessive” compared to the lifestyle of the couple. In this case, it is the husband who is committed and he alone who must pay, although it was made for the benefit of the family. In case of difficulty, the courts assess on a case-by-case basis whether the expenditure is obviously excessive or not, depending on the household income and the usefulness of the purchase. For example, on January 25, 2000, the Rouen Court of Appeal found that the purchase of a second car was excessive in relation to a household’s income …

The second exception is when a spouse subscribes to a credit alone. He must repay it alone unless the loan is for small amounts necessary for the needs of the household’s daily life. The court of appeal of Grenoble estimated on December 4, 2000, that a loan of 23 000 euros for the purchase of a kitchen is not a modest sum.

The third exception concerns credit purchases made by one spouse. Whatever their usefulness and importance, they are only due to the one who made them. The partners of a PACS are also responsible for the debts made for the “expenses of the current life”: a concept close to the household debts. As for married couples, only the one who commits is responsible for credit purchases, loans, and obviously excessive expenses. On the other hand, for cohabiting couples, everyone is responsible for their debts in all cases, even if they were made in the interest of the family.

Married but not too

As for the personal expenses of one or the other of the spouses, they must be paid by the person who makes the purchase or who goes into debt to do so. These expenses are all those that are not used by the family. It can be an investment, a professional purchase, a leisure expense … The creditor can claim the payment of these purchases only to the spouse who made the expense. A principle that must be qualified according to the marital regime of the couple.

In the case of a legal community – without a marriage contract – the creditor has the right to seize the property of the committed spouse, but also the property of the couple. On the other hand, he can not demand the salary of the spouse who has not committed himself or his personal property.

Married couples under the separation of property regime are better protected against creditors since there are then only two heritages: that of the husband and that of the wife. The creditor of one of the spouses can only seize the personal property of the latter and not the commons because … they do not exist … This is the reason why this scheme is chosen by the couples one of whom is, for example, a trader or entrepreneur. But debts made “in the interest of the family” must always be paid by both …

A New Merchant Cash Advance Success History

As some of you know, I am currently marketing for the merchant cash advance company…

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A New Merchant Cash Advance Success History

As some of you know, I am currently marketing for the merchant cash advance company. An of my jobs, We look at the service as if I were the one using it.

Fast cash loans are short-term lending types of people who are in demand for next but small stages of cash. Individuals typically offered by an instant payday loan company, even though there are private lenders out there who provide much aren’t options PurplePayday. The payday lending companies and individual providers all make the most the untapped market of desperate people on the internet and reliable .

The response is okay. A fast payday loan is an acceptable unsecured advance which amounts around $100-$1500. These quick, easy payday loans can be employed to pay off expenses that can’t wait till your next paycheck. The prices can range from medical emergencies, monthly bills, and school fees to accommodate repair charges which require immediate attention and need payment absent no need for faxes anymore.

S. O. financers like to financing finished goods being decreased shipped to an end customer. They can be better at providing funding when there is a single customer and also a sole supplier.

You could also opt for a merchant cash group. This means that the financial institution will evaluate the potential associated with earnings based on your bank card transactions. Based on this you can be given a loan. Every month, equal in proportion to the sales that you create, the lending company will begin to retrieve the merchant cash group. Functions out more straightforward as it requires the pressure of a person as far as monthly installments are concerned. Additionally, there is what is known as peer-to-peer financing.

But fret not, as there is hope. A solution for this would be to find a company that gives merchant capital advance to those who are economically struggling. This system usually is fast and only requires a primary application. Funding would just take a few days, and the conditions are easy to agree with and versatile. These kinds of companies do not need a good FICO score. Consequently, your chances of getting money isn’t that slim. This system is not credit but a sound system that will cannot only give you cash but can help you earn too.

Merchant Cash Advances are not for that desperate. While the process is quick, there are rigid underwriting criteria. Ignore the critical marketing phrases of 90% approval prices. That makes them sound excessively attainable. It isn’t THAT easy. Taxes liens, judgments, poor credit, plus missed home mortgage payments may all inhibit your chances of authorization depending on the funding provider. You will have to provide merchant processing claims, bank statements, business permit, and contact information for the business property landlord. Considerable cash flow analysis is executed by teams of professionals. Some providers even need a list of creditors and business references.

A new merchant advance companies are also the quickest way to get working capital. Coming from start to finish, the entire process completes in about a week. That is a fraction of the period it takes for a bank to advance you.

Associated with that you’ve mastered the basics plus built a strong foundation just before considering your expansion. You don’t need to want to overextend yourself. Probably you’ve discovered ways to improve what you do, cutting down the time consumed in running your business. You might have the time and energy to focus on growing your venture. Believe it or not, building new products or new areas will take almost as much vitality as starting your business, to begin with. Once again, you will need to be innovative in promoting what you sell, meticulous in overseeing your improvement, and as open to discarding small ideas as you are to striving new ones.

Many of these fast merchant cash advances may be easily availed of online. You can go by suggestions or based on research which you have done online. Discuss with your service provider on the kind of payback schedule you would like to have. The advantage of these loans is that in case you are having a bad month at the job, you can take a break from creating a payment. Depending on the amount a person borrow, the repayment period varies from six months to some year. Should you go through fifty percent the end with timely obligations, then you automatically qualify for a useful enhancement of your loan quantity and can borrow more towards it. These forms of financial loans are one of the fastest and fastest means that you can get through.

Item Trading Blunders I, Component 1 – My Beginning As A Novice Trader

Bad lenders can also have access to 12 30 days payday loans without any hurdle…

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Item Trading Blunders I, Component 1 – My Beginning As A Novice Trader

Bad lenders can also have access to 12 30 days payday loans without any hurdle. These types of loans have no credit confirmation process and so, people with several or single credit mistake can get money to cope with any kind of emergency. It is a deal exactly where they don’t have to explain their particular arrears, defaults, CCJs, financial distress and other credit faults to be able to borrow money at all. Therefore, if you are willing to remove your money stress using a perfect mortgage deal, it is the best system that can help you better.

Finding your very own distinctive commodity trading edge is indeed a worthwhile goal. Without a single you are lost in the world, struggling to push your face above the sea of costs. Trading edges do exist, although for short periods of time. Mental edges are more permanent. You require many. Read on to find how you can go about finding yours.

Take your time whenever learning. You’ll save money just by going slowly. Don’t believe new car loans for people with bad credit hypes about “hot markets that will can’t lose. ” Rubbish. People lose money even in the apparent bull markets because they how to start how to trade.

Together with amounts like these that you could include control over, it stands to reason that you have to be well-versed in this niche if you want reasonable success. Starting up is possibly more straightforward when compared with staying there as the purchase is sometimes very high. If you want to perform FOREX transactions, you are going to require a broker. Make sure he is a new registered FCM (Futures Percentage Merchant) with the CFTC (what is futures trading with examples Commission).

On May, loans using car title 08, the oil guru Arjun N. Murti of Goldman Sachs predicted a “super spike” where oil would likely pierce $200. In September, when oil hit $147, Wall Street thought he was correct. But he was not. Every time a commodity futures trading for beginners Commission report confirmed in September 2008, of which speculative bets by listing funds didn’t push essential oil prices up, the power of Chavez’s oil price gouging technique was evident but overlooked: Wall Street and Washington acquired already turned toward a remarkably more massive looming crisis together with the banks and the worst economic downturn since the 1930s.

Next, you have to establish a broker agent account through your trader. Be sure that the broker is a bank or a significant loan company. The company that the broker symbolizes must be registered Futures Commission payment Merchant, which is under the CFTC, or commodity futures meaning Commission.

You will also want to make sure that your agent deals in at least the particular seven most important currencies. They are the US Dollar (USD), the particular Australian Dollar (AUD), the particular Canadian Dollar (CAD), the united kingdom Pound (GBP), the European (EUR), the Swiss Franc (CHF) and the Japanese Yen (JPY). Very few brokerages tend not to deal in at least these types of seven, but you should always check out.

Ultimately, the benchmark associated with any Forex trader worth their salt is to be consistently lucrative in the Forex Market. Check that you can find not too many “financial leaks” removing you from this goal. Perform a comparison on the withdrawal/wiring charges of some brokers. On the long term, you would be wiring back again a portion of your profits on the consistent basis. For some investors, it could mean once each several months. Do your homework early so the fees incurred do not result in too much of a dent in your trading profits.